Build a Stronger Future for Your Team.

ICBA’s retirement and RRSP plans give your employees long-term financial security — with flexible designs, competitive pricing, and expert support for your business.

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Flexible Plan Design
Flexible Plan Designs

Choose from Group RRSP, DPSP, pension, or hybrid models tailored to your company’s structure and workforce.

Easy Administration

Easy Administration

We manage the backend — enrollment, contributions, reporting — so you stay focused on your business.

Lower Fees Better Value

Lower Fees, Better Value

Our scale gives you access to competitive pricing and investment options normally reserved for larger organizations.
Built for Construction
Built for Construction

Plans designed around variable hours, seasonal work, and mobile workforces — a perfect fit for contractors and trades employers.
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Retirement Benefits that help you Recruit, Retain & Reward Your People

In today’s competitive labour market, a reliable retirement plan is one of the most valued benefits an employer can offer. ICBA’s retirement and group RRSP programs are built for construction and open-shop employers across Canada, giving your teams a clear path to long-term financial stability — while helping you stand out as an employer of choice.

Why Offer a Retirement Plan? 

Financial security matters. A strong retirement program helps employees stay longer, stay focused, and feel supported — reducing turnover and improving job satisfaction. With an ICBA retirement plan, your company provides stability that goes beyond the paycheque.

Attract more qualified candidates

  • Improve retention and reduce churn
  • Reward long-service and high-performing employees
  • Strengthen your workplace culture
  • Support financial wellness across your team
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Plan Options:

Comprehensive benefits
Group RRSP
A flexible savings plan with immediate tax advantages for employees and simple administration for employers.
Industry-leading training
Deferred Profit Sharing
A cost-effective employer-funded option ideal for rewarding long-term commitment.
Industry-leading training
Group Pension Plan
A structured, long-horizon savings solution for stable and predictable retirement income.
Apprenticeship Sponsorship
Hybrid Plans
Combine RRSP + DPSP for a balanced, highly competitive offering that supports both employee choice and employer cost control.
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Simple, Reliable, and Built for Every Size of Team? 

ICBA retirement plans are designed to be simple for employers and flexible for workers. Whether you have 5 employees or 500, our team helps you choose the right structure, manage enrolment, and keep your program compliant and efficient.

How it works:

  • Choose Your Plan Type
    RRSP, DPSP, or a combined arrangement — we help you find the best match for your goals.

  • Enroll Your Team
    Easy onboarding with clear guidance for employees and supervisors.

  • Ongoing Support
    Investment options, contribution tracking, and year-end reporting handled by our benefits specialists.

READY TO BOOST YOUR BENEFIT PLAN?

Let our team help you build a retirement program that supports your workforce and fits your budget. From plan design to daily administration, we’re here to make it easy.

 

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REAL STORIES. REAL IMPACT.
When you choose ICBA, you join a community that measures success in trust, stability, and peace of mind.

5starsBeing able to offer these types of benefits has been an integral part of us recruiting and retaining employees. It gives me comfort knowing that I have a team of ICBA professionals behind me that not only have my best interests at heart but those of my employees.

Laura Leonard

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5starsOur company did not fit inside the typical insurance needs box, and the ICBA team found solutions that work perfectly for us. Anytime we have concerns, we have support from their team. We happily recommend ICBA Benefits!

Werner Friesen

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5starsNot only was ICBA Benefits able to find a more viable solution for us from a cost perspective, but they provided us with a detailed report that outlined how our plan design measured up in comparison to the industry, and they brought to our attention some deficiencies our prior plan had that we didn’t know existed.

Mike Kask

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5starsOur employees are our most valuable asset… they get comprehensive coverage and great customer service, and we get the benefit of accessing a growing and thriving benefits pool, with the flexibility of the hour-bank model.

Ron Chambers

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